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Credit card comparison

Our credit card comparison table helps you choose the most appropriate Australian credit card for your needs. Compare credit cards by looking at features like interest free days, annual card fees, interest rates, and rewards or frequent flyer programs.

Purchases standard variable rate
Cash advances (variable rate)
Balance transfers (special promotion for a limited time)
Annual card fee (fee may change)
Interest free days on purchases
Card can be linked to Westpac transaction account
Complimentary overseas travel insurance
Complimentary transit accident insurance cover
Complimentary purchase security insurance
Complimentary extended warranty insurance
Access to Priority Service Line
Free Qantas Frequent Flyer membership on new accounts for a limited time
Points earned per dollar spent on eligible purchases
Points earned per dollar spent on selected Qantas products and services
Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.
Things you should know

Westpac Altitude Rewards Terms and Conditions (PDF 164KB)

Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) (for claim events prior to 1 October 2017)

Westpac Credit Cards Complimentary Insurance Policy (PDF 6MB) (effective 1 October 2017)

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

Credit criteria, fees and charges apply. Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers. Cannot be used in conjunction with the Cashback promotion.

#A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

Bonus points promotion: The respective bonus points promotions are available when you apply for a new Altitude Platinum or Altitude Black credit card between 29th June 2017 and 26th October 2017 and spend the minimum amount of $5,000 on eligible purchases on an Altitude Black credit card or $3,000 on eligible purchases on an Altitude Platinum credit card within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account.

The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks of the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. Only one cashback will be paid per customer. $200 cashback will be paid as a statement credit to your Low Rate, 55 Day or 55 Day Platinum credit card account within 60 days of meeting minimum spend criteria. Existing Westpac customers who currently hold a Low Rate, 55 Day or 55 Day Platinum credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with the Balance Transfer promotion.

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.

Complimentary insurance covers (effective 1 October 2017): AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Westpac Credit Cards Complimentary Insurance Policy (effective 1 October 2017).

Uber promotion: To be eligible for this offer, customers must apply for a new Westpac Altitude credit card between 29th June 2017 and 26th October 2017 and register their Westpac Altitude credit card as their payment option on their Uber account. Westpac will cover up to $20 for every 3rd  Uber ride paid for using the new Westpac Altitude credit card until 31st December 2017 ("Offer Period"). Discounted rides must be used before 31st December 2017 (one use per ride). Rides cannot be saved. Maximum of $250 in discounted rides per customer during the Offer Period. You will be notified in the Uber app when the promotion has been activated on your Uber account. Valid for Uber rides in Australia only. Excludes UberTAXI. If ride cost exceeds $20, the remaining balance will be charged to your Westpac card. Not available to existing Westpac Altitude credit card holders. The promotion will end at the end of the Offer Period or when the maximum of $250 in discounted rides has been taken by the eligible customer. This includes Uber accounts that are linked to a Westpac Altitude credit card with a joint account.

Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 29th June 2017 and 26th October 2017. The first annual card fee at the discounted rate will be debited to your card account on your first transaction and the full annual card fee, currently $395, will be debited annually thereafter.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

Rewards Points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office.  

A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.